Has anyone done this? If you read the semi-fine print it looks to be that children under 18: "Travel protection is provided, at no additional cost, to children who are under 18 years of age on the date of purchase of insurance and who are accompanied by their parent(s) or traveling with their grandparent(s). The maximum benefit payable to a child (under 18 years of age) is equal to the maximum benefit payable to a covered parent or grandparent. Travelers under the age of 18 years of age who are not traveling with their parent(s) or grandparent(s) will be subject to the rates for travelers ages 18-40." https://www.accessamerica.com/purchase/purchase1.asp?token=KC1pP8hEBAPJvV3TdjaOEraEVbL3yqQKUC6G7y9J I insured last year for the cost of the trip and just took my total cost divided by 4 (figuring if any one of us couldn't go, none of us would go). This year I would take the total cost, put in dh and I, add the two kids as "free" and my charge is quoted at $89. I paid about $136-$150 last year. Is this too good to be true? Any feedback appreciated - thanks!